Transparent programs built to lower your effective rate—without locking you in.
Zero hidden charges. Clear statements. Support that picks up the phone. Choose the pricing model that fits how you sell, then get a free cost comparison to see your savings in writing.
How Our Pricing Works
Every card transaction includes interchange (set by the card brands) + processor margin (our fee). We keep our margin simple and transparent—and we’ll show you exactly where every dollar goes on your statement.
What you can expect on any plan
Month-to-month flexibility (no long-term contracts)
Fast approvals & next-day funding
PCI help & security tools baked in
Real human support, 7 days a week
Pick Your Pricing Model
Interchange-Plus
Most Transparent
Best For
Retail, restaurants, professional services, growing e-commerce.
How it works
You pay the exact network cost (interchange + assessments) plus a small, fixed margin.
Why Merchants Choose It
The line-item detail makes savings easy to prove and maintain as volume grows.
Includes: statement optimization, interchange education, and ongoing savings reviews.
Cash Discount Program
Offset up to 100% of fees
Best For
In-person payments where you can post signage.
How it works
Display a standard price and offer a discount for paying with cash; card sales include a customer service fee that covers processing costs.
Why Merchants Choose It
Predictable costs and the potential to net $0 in processing fees while remaining compliant when implemented correctly.
We Provide
Compliant signage templates, staff scripts, and receipt settings.
Compliance note: Rules vary by state and card brand. We’ll set up the program the right way and review your signage, receipts, and POS settings together.
Surcharge Program
Card-present & Online
Best For
Professional services, B2B, and e-commerce willing to pass a clearly disclosed surcharge on credit card payments.
How it works
A small surcharge is added to credit card transactions; debit remains untouched per network rules.
Why Merchants Choose It
Keeps your listed prices intact while reducing card acceptance costs.
We Handle
Brand registrations, notice language, and receipt compliance.
B2B Level 2/3 Optimization
Reduce interchange on corporate & purchasing cards
Best For
Wholesalers, distributors, and services billing companies/government.
How it works
We pass enriched data (tax, PO, item details) to qualify transactions for lower B2B interchange.
Why Merchants Choose It
Material savings without changing how you invoice.
ACH & Bank Payments
Lowest-cost rails
Best For
Invoice/retainer workflows and high-ticket payments.
How it works
Flat, low-cost bank transfers with optional verification and automatic reconciliation.
What’s included on every plan
Next-day funding to keep cash flow steady
Dispute & chargeback guidance (templates + consultation)
PCI & security support (tokenization, encryption, AVS/CVV checks)
Real-time analytics with export to QuickBooks/Xero
Hardware & gateway options (smart terminals, POS, hosted payment pages, pay-by-link)
Simple Add-ons
Smart POS & terminals (placement programs available)
Recurring billing/subscriptions
Text-to-pay & payment links
Fraud tools & 3-D Secure
Merchant funding (cash advance, equipment financing)
Will you really save? Let’s prove it.
Email or upload your latest statement. We’ll map every fee, match you to the right program, and send back a side-by-side comparison with your new effective rate.
Deliverables you’ll get:
A marked-up copy of your current statement (what each fee actually is)
A custom quote with our all-in costs and estimated monthly savings
Recommended program (Interchange-Plus vs Cash Discount vs Surcharge vs B2B optimization)
Frequently Asked Questions
What’s the difference between Interchange-Plus and Flat Rate?
Flat rate keeps numbers simple but can overcharge as your mix changes. Interchange-Plus passes through exact card costs with a small, fixed margin—usually the best long-term value.
Is Cash Discount legal?
When implemented correctly with proper signage and receipt language, cash discounting is widely used. We’ll configure your POS and provide the disclosures you need.
What about surcharging—can I do it?
Surcharging credit cards is allowed in many states with clear rules (debit cannot be surcharged). We’ll confirm eligibility, handle brand registrations, and set up your receipts.
What’s “Level 2/3” and why does it matter?
For B2B/corporate cards, sending extra data (tax, PO, line-item details) can qualify for lower interchange. Our tools automate this so you don’t have to change your workflow.
Do you have long-term contracts or early termination fees?
No long-term lock-ins. We aim to earn your business every month through savings and service.
How fast can I go live?
Often within 1–2 business days once your application is complete and hardware is configured.
Ready to Lower Your Processing Costs?
Pick your model, or let us recommend one after a quick statement review.